What is the most common complaint against First Credit Services Inc.?

The most common issue consumers report about First Credit Services Inc. is "Attempts to collect debt not owed", specifically "Debt is not yours". This is based on 1,402 complaints filed with the CFPB.

Are complaints against First Credit Services Inc. increasing or decreasing?

Complaints against First Credit Services Inc. are rising. The company received 425 complaints in the last 12 months, indicating an upward trend in consumer issues.

What is First Credit Services Inc.'s reputation grade?

First Credit Services Inc. has a reputation grade of D (score: 54.7/100), PlainCollector's composite letter grade blending complaint volume, response timeliness, dispute rate, and complaint trend.

Does First Credit Services Inc. respond to consumer complaints?

First Credit Services Inc. has a 99% timely response rate to CFPB complaints. Consumers disputed the company's response in 15% of cases.

In how many states does First Credit Services Inc. operate?

First Credit Services Inc. has received CFPB complaints from consumers in 49 states, with the most complaints from Florida (285 complaints).

This data comes from the CFPB Consumer Complaint Database and reflects consumer complaints, not proven violations.

First Credit Services Inc. - Debt Collector Complaint Profile

CFPB complaint profile across 49 states, reputation grade D.

Compiled by PlainCollector

Attempts to collect debt not owed

594
Written notification about debt

254
Took or threatened to take negative or legal action

140
False statements or representation

131
Communication tactics

120
Cont'd attempts collect debt not owed

95

Data updated September 2026

CFPB complaint disposition

CCDB record first-credit-services-inc First Credit Services Inc.

Grade D · 1,402 CFPB filings · 99% timely · lead issue: Attempts to collect debt not owed · vol #124 · compose #3381

VOL 1,402
GRADE D
12MO 425
STATES 49
TIMELY 99%
DISPUTE 15%
ISSUE Attempts to collect debt n…
RANK #124
COMPOSE #3,381

Volume peers

Nearest volume peer: Truist Financial Corporation (1,393 complaints)

CFPB complaint volume neighbourhood (this collector + nearest volume peers)

First Credit Services Inc.'s 1,402 CFPB complaints sit next to Truist Financial Corporation on the volume neighbourhood; peer NAMES stay, and disposition VALUES are this collector's. Grades compare collectors to each other - a complaint is a filing, not a proven violation. How to read a complaint count →

Filing geometry

Florida is the plurality state for First Credit Services Inc. (20.3%)

Volume rank #124 and composite rank #3,381 diverge by 3,257 places on PlainCollector's CFPB-derived corpus maps. Corpus placement method.

Plurality state: Florida 20.3%; Mid-band (15–30%) · 49 states with ≥1 filing
Seasonal peak: 2026-01 11.3%; 8–15% band · 209 filings
Divergent corpus ranks: #124 volume; #3,381 composite; Cleanest-composite ladder is 3,257 places worse than volume

How does First Credit Services Inc. compare to its peers?

How does First Credit Services Inc. compare? Versus a similar-volume peer and the national average (collectors with ≥50 total complaints), drawn from 10 collectors with a comparable complaint count

First Credit Services … National average

Complaints (last 12 mo)lower is better

425

569

268

Timely-response ratehigher is better

99%

91%

Consumer-dispute ratelower is better

15%

19%

Source: CFPB Consumer Complaint Database.

Complaint Trend (24 months)

2024-04 2026-03

Issue Detail Breakdown

Issue	Complaints
Attempts to collect debt not owed	594
Written notification about debt	254
Took or threatened to take negative or legal action	140
False statements or representation	131
Communication tactics	120
Cont'd attempts collect debt not owed	95
Disclosure verification of debt	36
Electronic communications	15
Improper contact or sharing of info	9
Threatened to contact someone or share information improperly	8

Where do complaints against First Credit Services Inc. come from?

First Credit Services Inc.'s own per-state count, not a national baseline.

Florida

285
Texas

162
Georgia

117
New Jersey

107
California

75
New York

69
Massachusetts

63
Maryland

48

Compare beyond geography

Nationwide peers by volume & timely response

Two PlainCollector-derived comparison paths for First Credit Services Inc.: nearest all-time CFPB complaint volume and nearest CFPB timely-response rate among collectors with at least 100 logged complaints. State breakdowns above stay geographic; these neighborhoods vary by metric.

Similar filing volume

Nearest collectors by total CFPB complaints. This record: 1,402.

4 peers

Similar timely response rate

Nearest collectors by CFPB 15-day timely-response %. This record: 99.36102236421725%.

4 peers

Know your rights before responding to First Credit Services Inc.: FDCPA rights guide · debt validation letter · rights library.

Data sourced from the CFPB Consumer Complaint Database. See our methodology for details. Retrieved and formatted by PlainCollector

According to the Consumer Financial Protection Bureau's Consumer Complaint Database, 1,139,236 debt collection complaints are represented in the current PlainCollector snapshot. See our methodology for how PlainCollector computes each company's reputation grade from this data.

Every figure on PlainCollector is rendered directly from federal source data, no number is typed in by an editor. This page draws directly on federal source data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.